I-Bankinter, ngengxelo yayo yekota yekota, yenza uthotho lweengcebiso kubatyali mali kwiinyanga ezizayo. Apho wenza enye ye izindululo ngokwexabiso lomvuzo owahlukileyo apho ukonga kunokwenziwa kweyona nto ibalaseleyo. Ngayiphi na imeko, iyagxininisa ukuba yeyona ndlela isebenzayo yokufumana inzuzo eyinkunzi kwizikhundla zabatyali zimali. Ngokubonisa ukuba iimarike zentengiso zisekhona kukho into enokushiyeka kuhambo lwayo oluphezulu. Nangona kunjalo, ukuvela kwayo kuyacothisa ngekota yesithathu yonyaka.
Abahlalutyi beBhanki banoluvo lokuba umjikelo wezoqoqosho okhoyo usenendlela ende ekusafuneka eyihambile. Ngaphandle kwezilungiso ezithile Eziveliswayo. Ngaphandle koko, kunjalo, kwiziphumo zenkqubo yokwahlukana kweCatalonia kumaxabiso ezabelo zaseSpain. Apho izabelo zeBanco Sabadell kunye neCaixabank zezona zichaphazeleka kakhulu kwezi ziganeko. Ngokwehla okubalulekileyo kwezi ntsuku, apho izikhundla zabathengisi zibekwa kwezo zabathengi.
Ngayiphi na imeko, kule ngxelo yekota ilungiswe leli ziko lemali kuyaboniswa ukuba ingeniso esisigxina ngoku ugqithisile kakhulu. Ukuya kwinqanaba lokuba ibonisa ukuba iimarike zentengiso zinokuthatha iintshukumo zokunyusa inxenye enkulu yeeasethi zemali. Ngale ndlela, ayinakulityalwa ukuba inzuzo yedipozithi yekota ingaphantsi kwamanqanaba asezantsi kwaye ayibonwanga kangangeminyaka emininzi. Apho ireyithi yenzala yekota eli-12 yeenyanga ijikeleze i-0,20%.
Iingcebiso ngebhanki
Enye into echaphazeleka yiBhanki kukuba i-equities sesona sicwangciso-qhinga sokwenza ukonga kunenzuzo kwixesha eliphakathi. Kodwa ngaphandle kolu qikelelo, bakwalumkisa ukuba indlela eshiyekileyo kwisalathiso somgangatho wentengiso yesizwe yincinci kakhulu. Ngokukodwa, bacinga ukuba i-Ibex 35 isenayo 2,5% indlela eya phezulu. Le yipesenti onokuyicela kubatyali zimali abancinci nabaphakathi abanokungena kwiimarike zemali ukusukela ngoku. Uloyiko lokubanjwa kwiindawo ezivulekileyo yinto ebaxhobisayo ukuba benze esi sigqibo.
Kwelinye icala, abahlalutyi beli ziko lemali bacinga ukuba isalathiso esikhethiweyo sinomda ophezulu kuwo Amanqanaba angama-10.500 10.600 okanye ama-XNUMX. Nangona bekwacebisa ukuba kunyaka olandelayo banokudlula kancinane kula manqanaba. Nangona kunjalo, ngokusekwe kolu qikelelo lweemarike zezemali, baya kuba lithuba lokwenza imisebenzi efika ngexesha kwaye ngakumbi phantsi kwamagama amafutshane kunesiqhelo. Kuba umngcipheko onokubakho ezingxoweni ungaphezulu kokufihlakeleyo. Ngapha koko, ingxelo eyenziwa yi-Bankinter ayinathemba njengakwiikota zangaphambili.
Undoqo kukwiziphumo
Bacebisa ukuba iziphumo zeshishini ziya kuthatha isigqibo malunga nokuvela kweemarike zezabelo ukusukela ngoku. Ngale ndlela, bakholelwa ukuba ukuba bayaqhubeka nokuphucula kwikota ezayo, inokuba yingxabano entsha yokuba isitokhwe sikhuphuke siphezulu, nangona kungenjalo ngokufana nangoku. Kwelinye icala, i uphononongo lwezibonelelo Iinkampani ezidwelisiweyo ziya kuba yenye yeparameter ekufuneka ithathelwe ingqalelo ukumisela ukuba akululanga na ukuya esidlangalaleni. Kuya kuthatha ixesha elincinci ukuba nale datha ezandleni zethu. Kuya kubaluleka ukwenza naluphi na uhlobo lwezigqibo.
Enye yezona zinto zichonga kakhulu iya kuba lukhetho lwezokhuseleko ukwenza ipotifoliyo yotyalo-mali. Kuba ngokuxhomekeke kwezi paramitha umahluko unakho fikelela kwi-10%. Into ethetha imali eninzi kwimisebenzi eyenziweyo kwaye ngenxa yesi sizathu kulula ukuba ube nohlalutyo ngakumbi kunakwamanye amaxesha. Ayothusi into yokuba ngumyalezo onokudluliselwa kuhlalutyo lotyalo mali lweBhanki. Ukuthintela iimeko ezingafunekiyo kubatyali mali abancinci nabaphakathi, abahlalutyi beli qela lezemali banika uthotho lweengcebiso zokuthatha izikhundla ukusukela ngoku.
Isitokhwe esingcono
Aba bahlalutyi banethemba ngakumbi malunga nkampani. Kuba ngokoluvo lwabo bacinga ukuba uguquko kwimizi-mveliso olwenzekayo luya kusekelwa kutshintsho lobuchwephesha. Kwelinye icala, bavulelekile nakwimithombo yeendaba, apho iMediaset yenye yeentandokazi zabo ezicacileyo. Ukuya kuthi ga kwinqanaba lokuba acinge ukuba nakuphi na ukusika kufanele kuthathelwe ingqalelo njengethuba lokuthenga kwaye ke ngoko ukwenza ulondolozo lube nenzuzo ngendlela efanelekileyo. Banethemba lokungena kwipotfoliyo yotyalo-mali yezokhuseleko ngokukhethekileyo njengaleyo evela kwicandelo lokhenketho.
Inkqubela phambili yokhenketho, kuzwelonke nakwamanye amazwe, iphakamisa ukuba mayibe sesinye sezizathu zokukhetha ezi zindululo kwizabelo zaseSpain. Ukusuka kolu luvo, kuhlalutyo lweemarike zezemali, bayayijonga loo nto USol Meliá Ngokuqinisekileyo inokuba sisigqibo sobulumko ukufaka iphothifoliyo yakho elandelayo. Njengenqwelomoya yenqwelomoya ephucula iziphumo zayo zeshishini kwiingxelo zekota zamva nje.
Elona candelo lezentembelo lithembekileyo
Abo banxulumana necandelo lezemveliso bakwathathela ingqalelo izigqibo ezifanelekileyo. Ukuza kuthi ga kwinqanaba lokuba kwi-Bankinter baphakamise ukubheja kwabo ukuze bathenge. Phakathi kweentandokazi zakhe, iAcerinox ibonakala ngaphezu kwayo yonke into ngokubhekisele kwimarike yasekhaya. Ngelixa lingaphandle kwemida yethu ukhetho lwangaphambili luye lwakhetha Umbane eJamani. Licandelo le-cyclical elisebenza kakhulu ekuqhubeni iinzuzo ezinamandla eziphezulu kumaxesha abanzi. Nangona ngenxa yezizathu ezifanayo, bavelisa ukwehla okukhulu kwimeko yokudodobala koqoqosho. Ke ngoko, ezi zezokhuseleko ezinokuthenjwa ezifuna unyango olukhethekileyo kubatyali mali abancinci nabaphakathi.
Olu didi lokhuseleko lumelwe kwimarike yesizwe ziinkampani ezinje ngenkampani uqobo. I-Acerinox kunye no-Arcelor Mitall. Kuzo zombini, ukwehla okubukhali kwelona xesha linzima lobunzima bezoqoqosho kutshanje. Esi sesinye sezizathu zokuba babenakho ukuxabisa okuphezulu kunakwamanye amazwe aseSpain. Ukusuka kule ndawo yokujonga, kunokuba lukhetho olufanelekileyo, njengoko i-Bankinter icinga, ukuthatha izikhundla kula maxesha achanekileyo.
Akukho zinto zinokubakho kwimarike yemasheya
Enye yeembono ezenziwa yile ngxelo yiBankinter yokuthumela ngaphandle kukunqongophala kokukhetha ukwenza ulondolozo lube nenzuzo ngendlela efanelekileyo. Ngokunikwa inzuzo ephantsi yeemveliso zokonga ngokwesiko (iidipozithi zekota, amanqaku ezithembiso zebhanki okanye amatyala wombuso, phakathi kwezinye zezona zibalulekileyo). Kuzo zonke iimeko I-apenan idlula inzala ye-0,50%, nkqu nakwezona fomathi zinoburharha. Oku kubangela ukuba uninzi lwabasindisi bajika amehlo abo kwintengiso yesitokhwe njengesixhobo sokwandisa le mida ibuthathaka kwinzuzo. Nokuba umngcipheko ubandakanyekile kolu hlobo lomsebenzi, kuba akukho mbuyekezo iqinisekileyo yokonga.
Kungenxa yezi meko ukuba icandelo elilungileyo labatyali mali abancinci nabaphakathi liyaqhubeka nokukhetha oovimba kutyalo mali. Ayisiyo kuphela ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, kodwa nangezinye iimveliso zezemali. Phakathi kwezo zivelileyo yimali yotyalo-mali, iimali ezidwelisiweyo okanye neziqinisekiso zokufumana ezona profayili zinoburharha. Ngayiphi na imeko, ngumngcipheko ekufuneka uwuthathile ukusukela ngoku ukuya emngciphekweni wokhuseleko. Ingxaki yanaphakade, kuyo nayiphi na imeko, enayo bonke abasebenzisi xa betyala naluphi na uhlobo lotyalo-mali.
Umthombo wolwazi kumtyali mali
Ngayiphi na imeko, ezi ngcebiso zenziwe liSebe lohlalutyo lweBhanki ngumthombo wolwazi wokukhokela izigqibo zakho. Kwaye ungagqiba nolunye uvavanyo kwiimarike zezemali ezingaphezulu okanye ezingaphantsi. Ukuze ekugqibeleni uthathe enye ukuzimisela okungaphaya kukhuseleko okanye kwimveliso yezemali ekulungeleyo ngalo naliphi na ixesha. Akumangalisi ukuba esi sesinye sezitshixo ekufuneka ubuphucule ubudlelwane bakho nehlabathi lemali.
Konke oku, kwimeko yokutshintshiselana kwesitokhwe kumazwe aphesheya nge inqanaba eliphezulu lokungaqiniseki. Apho kungabikho ukunqongophala kokukhethwa ngengqondo yokuba sisondele kakhulu ukuze i-bubble iveliswe kwiimarike zezabelo. Ngenxa yoxinzelelo lokuba ityala loluntu kunye neebhondi ezixatyiswe kakhulu, nkqu ngokoluvo lwabahlalutyi beBhanki, zinokubonisa. Ke ngoko, ubulumko kufuneka ibe yenye yezona zinto zixhaphakileyo ekufanele ukuba uzingenise kwimisebenzi yakho. Nokuba yeyiphi na impahla oyikhethayo okwangoku. Isicwangciso esisebenzayo kuzo zonke iiprofayili ezinikezelwe ngabatyali mali. Ukusuka kwezona zinoburharha ukuya ekuzikhuseleni ngokubalaseleyo. Akukho zikhutshelo kwisicelo sakho.